Taking name off joint account

[Marijn]

My friend's mum is trying to take her name off a joint bank account. She wanted to add money to the account to make the balance zero, then remove her name. But the bank wouldn't let her. How can she remove her name? She is concerned her ex will run up debts again.

[souldriver]

I had this problem a few years ago after i was gullible enough to get a joint account with my the GF. It was always overdrawn and it took me ages to get it sorted with her. Like you said the bank wouldn't just remove me from the account.

Is it not possible that your freind can get the bank to freeze the joint account once its in credit, so it cant be drawn against.

[kira000]

I would also suggest trying that route. She should contact the bank and explain that she wants to ensure the account doesnt go over drawn again, and ask them to remove all overdraft facilities, ensuring she specifies that they wont permit it to go over, rather than allowing it to go over and chargng more.
She may get some bank charges if her ex does try to draw against and payments get bounced, but it keeps being bounced, he should get the message.

[kira000]

Can i also ask which bank this is with? Each has their own policies ans ways of dealing with situation. Its a case of finding right way for right bank.

[CJ242]

I worked for a bank several years ago. Policies and procedures may have changed but when I was there you had to fill out a form to do this. To protect both parties, no amendments could be made on a joint account without a signature from each account holder. i.e If a divorcing couple had a joint account , it stopped one from freezing the other out! There would be no problem with adding funds (unless the account itself is frozen due to circumstances)

[Marijn]

Thank you all very much for your answers, I will pass them on. Sorry, I don't know the name of the bank. Thanks again.